My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I'm currently liquidating some of these positions to incoporate new Gen. Stocks, but am I better off re-investing into Gold as it seems stocks are a little too unstable right now.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
Sonya lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thanks for sharing. I searched for her full name, found her website immediately, reviewed her credentials, and did my due diligence before reaching out to her.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
So how exactly can we guard against the coming financial reset for 2024? Like what are really the best strategies to make our portfolio recession proof against the incoming financial reset? I'm very worried about my $110k stock portfolio.
Knowledgeable investors know how to invest during a crisis to reduce risk and maximize returns. If you can't manage these conditions, consult an experienced market strategist.
In 2008, I told my wife not to sell our stock to pay off the house, saying it's not a loss until we sell. Despite a $100,000 loss, we consulted a financial advisor, held on, and later gained it back plus $2.7 million to date. We used the extra gain to pay off the house and are now debt-free. She was glad she listened to me.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Lauren Marie Ehlers" for years and highly recommend her. See if she meets your criteria.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
The 3.6% dividend yield is pretty impressive. I've followed a similar approach (investing in dividend stocks over decades) but currently have a yield of about 2.7%, so my monthly income (on a similar sized portfolio) is quite a bit less, but still pretty good nonetheless. I can totally relate to your approach, and it's nice to see someone able to generate such returns just on dividends. I'll continue to refine my holdings, but I'm not in a bad place either.
As a beginner, educate yourself, Learn the basics of investing and the stock market. There are many resources available online, including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
it's best you do your due diligence, I have my portfolio overseen by ‘Lisa Angelique Abel“ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.
That is why I work with John Desmond Heppolette, who introduced me to a better Financial community, a verified agency where I learned how money works and how to create it, as well as free books, courses, and daily lectures. You also get to meet new people, which was the best decision I ever made.
Yeah, that guy is one asset manager that gives the breakdown of everything on how things are done, joining an effective financial community can be 100% beneficial when joined properly that's all I can say out of experience
Thank you so much for the advice. Your coach was simple to discover online. I did my research on him before I scheduled our phone call. He appears knowledgeable based on his online resume.
Exactly why i enjoy market decisions being guided by a professional, seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience, been using the expertise and guidance of John Desmond Heppolette, for over 5years+ and I've netted over $3million in that time frame..
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $750k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
As a beginner, educate yourself, Learn the basics of investing and the stock market. There are many resources available online, including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
@@MarkFreeman-xi3rk How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
it's best you do your due diligence, I have my portfolio overseen by ‘Margaret Johnson Arndt“ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
Opinions on the market diverge; some claim overvaluation due to rapid gains, while others cite strong economic fundamentals justifying high valuations. The notable surge in tech stocks, raises concern for my $600K portfolio given the index's increased tech concentration. What stocks, in terms of growth over the next ten years, could be the next APPL is my query.
Considering diversification is excellent, but I sense some uncertainty. Now might be a good time to consult a financial advisor for expert advice and seize opportunities in this volatile market.
i agree, that's the more reason I prefer my day to day invesmentt decisions being guided by a financial advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over $1.8million.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
Impressive, i’ll most definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel
I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
I stopped listening and taking financial advise from these RU-vidrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.
I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary " Lisa Angelique Abel" actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.
If you were in a simple index fund like VOO and you had 2 mil in there with your other mil in bonds or CD's you would have made around 300k in the past year. The economy is cruising, not sure how you lost so much.
Fantastic video Everybody wants to be financially independent and live a better life.With savvy investing, an inexpensive lifestyle, and diligent budgeting, this is not difficult to do. I'm glad I realized early on that achieving financial freedom requires hard work.
Investment is a fabulous way to save money for the future as well as a way to generate passive income. Those who make poor mistakes early in life regret them later in life. But, if done alone, investing may be challenging and risky. For this reason, I suggest consulting experts for advice (financial advisors). The difficulty lies in effectively employing it, not just watching videos and reading investing books.
Sincerely, I'm genuinely moved by what you said. I have a sizable amount of money that I am willing to invest if given the appropriate knowledge and I am highly interested in investing. My greatest concern is losing money on a bad investment. I'm open to hearing your advice on how to make sensible investments as a result.
Thank you for this tip. it was easy to find your coach. and I conducted thorough research on her credentials before scheduling a call with her.Based on her résumé, Olivia Maria Lucas appears to possess a high level of proficiency, and I am grateful for the opportunity to speak with her
Olivia Maria Lucas really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
The US-Stock Mrkt had been on it’s longest bull-run in history, so the mass hysteria and panic is relatable considering we’re not accustomed to such troubled mrkts, but there are avenues lurking around if you know where to look. My wife and I are retiring this year with over $7,000,000 in tax deferred investments. up until 3 years ago we were 100% in the S&P. During bear markets we had a perfect plan. We got an investment manager in our corner and didn’t look at our portfolio for nearly a year.
Hello, I am new when it comes to investing and i would really appreciate if I could get some tips about where it is worth to invest in (ETFs, Stocks, Growth stocks, Dividend stock etc.)
I want to diversify my portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions, how do I achieve this?
Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.
I needed a good boost to help my dwindling stock portfolio stay afloat, hence I and came across an expert who helped a lot to grow my port-folio from $275k to approx. $850k in two years.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
Another great content. You and Gary Joe Wilde are highly recommendable investing pros every investor who wants to get rich investing must know or work with Unfortunately, don't know why Gary deleted his video channels. He is very advanced and experienced in the field.
I’ve been making decent returns over the past few years with this combination: 1. SPYG (S&P growth fund with 0.04% expense ratio) 2. VOO (Vanguard S&P 500 fund) 3. VIG (Vanguard dividend fund) There is some overlap between the holdings and heavy tech sector allocations (particularly FAANG) but the diversification is still spread out reasonably enough for my purposes. Then also instead of buying a bond fund… consider buying treasury bonds and bills directly especially in this environment of current high interest rates. Love the channel overall. Happy investing everyone!
With the help of an investing advisor, I diversified my $400K portfolio across markets, and I was able to earn over $900k in net profit from high dividend yielding equities, ETFs, and bonds.
Stocks are falling and bond yields are rising, but markets still don’t seem convinced the Federal Reserve will pursue plans to keep increasing interest rates until inflation is under control. I'm still at a crossroads deciding if to liquidate my $117k stocck portfolio, what’s the best way to take advantage of this bear market?
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over $300k .
Thanks, I merely looked her up on Google and was highly impressed by her credentials; I got in touch with her because I need all the help I can get. I just set up phone call.
The more complex portfolios start to mimic the simple ones. Adding so many equity classes, it gets closer and closer to a total stock market fund. This is fabulous as always, and thank you
Roughly £120k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.
Focus on two main objectives. Protect yourself by first understanding when to sell stocks in order to minimize losses and maximize rewards. Second, get ready to capitalize on market changes. I advise consulting a financial advisor or other expert for advice.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, I believe that is the most effective way to enter the business at the moment.
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Almost everyone, including the media, is anticipating a market catastrophe, and as a result, many are turning a blind eye to the opportunities in the market. I began investing in stocks and Def earlier this year and it is the best choice I've ever made. My portfolio is rounding up to almost a million and I have realized that when a stock makes it to the news, chances are you're quite late to the party, the idea is to get in early on blue chips before it becomes public.There are lots of life changing opportunities in the market, maximize it
@@rushenstarnglen4100I would suggest Patricia strain, my current broker. Her services are excellent and her returns are great. I looked her up after seeing her on a CNBC market interview
my wife and i have been going strong with the bond ETF's, Inverse ETF's ,Oil and gas stocks and Vroom, we also dabble in the s&p 500 from time to time. currently thinking of going into ETF's with exposure to fixed income assets like SPDR and FLOT but we haven’t decided yet. Still waiting on our advisor James Fletcher Brennan to give us the go ahead. To all the noobs..Being consistent is a very simple way to develop over time, and I can't stress this enough seek help and guidance because not doing so in this market is like telling a pre med to handle your surgery without getting help from a certified surgeon lol.
Impressive!! Also, I did read about James Fletcher Brennan on the web, I was able to find his webpage and leave a mail. I'm willing to make consultations to improve my portfolio
you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met Karina Mattis , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions
@Jessica Mamikina that is why it's the best time to invest if, and only if, you are planning to buy and hold. Your funds are becoming devalued, which makes them cheaper to buy, which in turn will optimize your eventual ROI. I'm buying ETFs that I'm going to be cashing out in 40 years. So even if it takes 10 years for the stock market to bounce back, for me that's just 10 years of cheap stocks to make money on for the remaining 30 years that I'll be holding.
I’m so opportune that irrespective of the economy crisis and financial conditions I'm still able to earn $19,500 returns from my initial $3500 every 7 days. Crypto investment is the really profitable...
@@davidbernard505 After I came across investment platform of ( Mr Cardone ) my financial life has totally changed. I'm not bothered about the market fluctuations.
I also started trading with Mr Cardone recently. $170,000 profits in just 2 months and still counting, Mr Cardone is the crypto trade king as far as I'm concerned.
Amazing 😊 to see Expert Cardone been mention here, my spouse recommended him to me after investing $13,300 and he has really helped us financially in times of Covid-19 lockdown here
My allocation in my early 30s is: 10% - total us bond market index 15% - total international stock index 12% - us small cap index 13% - us mid cap index 50% - 500 index I use automatic investing for my taxable account and review allotments annually, adjust if needed to gradually rebalance. I could probably simplify some with the total stock index instead of the 500, small and mid cap funds.
@@AK-47ISTHEWAY that’s encouraging to hear. It’s so hard to find information on asset allocation. What’s even harder is finding good information on how to invest in risk off assets in my taxable brokerage.
I found your channel recently, and I am gradually going through all of your videos. I read the simple path to wealth after you recommended it, and I am very inspired. Your videos are very helpful summaries of so many things I was trying to get a perspective on. And I never feel like you’re just trying to sell me something which is a relief. I would like to request that you make a video with more details on Vanguard’s dividend growth funds. I am curious about when you recommend utilizing dividend paying funds. Thanks for all you do.
To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Paula David focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. Her skills set is top notch.
One key challenge I've had in the past is consistency. Over time this has led me to a 3 fund portfolio which I can now consistently manage in the background of a busy life. The consistency is beginning to show encouraging results. I've learned my limits that while I can effectively pick my own stocks I am terrible at selling. A more complicated problem than I can reliably solve.
I am in my early 50s and I have 5% in government bonds and 95% in sp 500 index When I retire I will have 1 year in money market fund 3 years in short term bonds Everything else in sp 500 index As long as the market is not going down to much I will draw my monthly expenses from the sp 500 index fund. If things go south I have a year of cash and if things keep going down I have 3 years in bonds. I own real-estate rentals for income.
The most popular investment portfolio strategies include diversification, where you spread investments across different asset classes to manage risk. Another is the growth strategy, focused on capital appreciation through high-risk, high-reward assets. Income-oriented strategies target regular income from dividend stocks or bonds. Finally, there's the value strategy, seeking undervalued assets for potential long-term gains.
According to Warren Buffett, dividends are less valuable for growing businesses and more suitable for established ones. Investing in companies that offer dividends might be seen as parking capital for steady returns, especially for those relying on portfolio income. This approach resembles bond investing, serving as a means of generating consistent earnings.
Given the market's uncertainty, I rely on an investment advisor for my daily decisions. Their expertise in long and short strategies, coupled with risk management and exclusive analysis, ensures substantial returns. Amid the pandemic, I've gained over $1.5 million through subsequent investments, benefiting from their approach.
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?
"Lisa Angelique Abel" serves as my advisor, bringing extensive qualifications and experience in the financial market. Her deep understanding of portfolio diversity positions her as an industry expert. I suggest delving into her credentials for further insight. With her considerable experience, she offers valuable guidance to anyone seeking to navigate the complexities of the financial market.
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
I started watching your almost all your videos for 3 reasons: Your videos it’s very professional and clear about every aspect you try to deliver, second : You have experience with debt! Third : you from OC just like me 🙏
Tae, what do you think about Professor G’s 3 fund strat? One broad based index fund, one growth fund, one value fund. For him it was S&P500, SCHG, SCHD. Allocations are broad-heavy with more tilt on value over time. Ditches bonds and international entirely. He says backtesting shows good results, but yeah it’s an interesting take for sure.
Concluding 2022 with a 20% decline in the S&P 500, long-term investors find a promising entry into 2023. Noteworthy ETFs include: $VOO for S&P 500, $VTI for total US market, $QQQ for tech growth, and $SCHD for growth with dividends. Calculating my annual dividends, I'm thankful for $167k-attributing it to discipline and focus.
Great video! It would be informative to know how all of these portfolios would have fared over the last few years for a comparison . Keep up the great work!
I've been working it all out in a spread sheet over the last few weeks. What I have so far is the first 4 portfolios for 5 year average from 2022 of the load and inflation adjusted total return: 100% VTSAX = 6.99% 90% VTSAX 10% VBTLX = 5.99% 70% VTSAX 20% VBTLX 10% VTIAX = 4.16% 55% VTSAX 23% VBTLX 11% VTIAX 11% VGSLX = 3.33% That was the easy part. The bulk of my work has been creating ETF alternatives that I have access to in the UK. Interestingly, some have a high correlation coefficient to these portfolios with slightly higher returns, which will be from slight difference in UK-US inflation and fund fees.
Warren is wealthiest person on this list. I’ll stick with him. Warren made his fortune investing in market. Somone like Ramsey made his money in real estate. His active mutual fund strategy is flawed, as we all know very few beat the sp500 index long term with the fees.
What a great video! I use the two fund approach, 90% s&p 10% bonds and auto rebalance per quarter. Maxing out my 401k using dollar cost averaging for the last 12 years. I'm looking at retirement now.
Small caps have underperformed for twenty years. So the Merrimack portfolio did not perform as advertised the last twenty years because Paul’s calculations goes back fifty years.
IMO you either know how to pick stocks or you don't. If you think you don't or don't want to bother, buy the whole hay stack (VT). Once you start with a mix of ETFs, you're just one step removed from picking stocks.
Hi Tae. I have been investing for years and i have reached a point where my $150,000 portfolio seems to have been stagnant despite the market gains. I could benefit from some advice to improve my portfolio and maximize returns.
Everyone needs a safety cushion in their portfolios. While I can't give personal advice, it's important to talk to a fiduciary advisor for help in reorganizing your portfolio. It might seem costly, but as the saying goes, "you get what you pay for."
Reduce the risk in your portfolio, strengthen your main investments, and take some profits while balancing your allocations. I've been investing for 11 years, and after 5 years with a financial advisor, I've seen a 10x return compared to doing it myself, with nearly $2 million in gains-my best results so far.
One fund portfolio, I would have recommended target date index funds or Vanguard Lifestrategy funds. Two fund, I would recommend for stocks: AVGE, DFAW or VT(WAX). For bonds: BNDW, BND, IUSB, DFCF, or DFGP.
Forget all this hands down Wellington #1 or Wellesley #1 have stand the test of time they're active managed. The managment team is cheaper & smarter than me. The Vanguard's admiral class aprox. 0.17% exp ratio minimum $50,000. John Bogle never recommended rebalancing. I think for retirees simple stupid easy.
Tae, great video! What are your thoughts on including REIT in an investment portfolio for someone who owns a house? It seems to me that I’m already so heavily invested in the real estate market with my mortgage that it would be LESS diversity to include even more focus on real estate - thoughts?
Just a bit of clarification. The 3 fund portfolio may be a Bogleheads recommendation but Jack Bogle himself was not an advocate for international inventing. He did say in many interviews that if one was going to invest in international stock mutual funds, limit it to no more than 10-15% of your portfolio but he constantly did not recommend it. His reasoning was that many companies in the S&P 500 such as Coca-Cola already gives international exposure.
3 Fund+1, but with the plus one being a small cap value index fund rather than a total REIT, which makes your portfolio not 100% market cap weighted and shifts the weight slightly towards small cap value stocks (aka, the types of companies that Warren Buffet would buy).
I bought into Berstein's portfolio after his book came out, and it just kept underperforming. Tested it on Portfolio Visualizer and it showed a 6.6% CAGR, which is fine if you're willing to sacrifice performance for safety, but the max drawdown is 17.3%! Some of the other portfolios you mention here have a similar problem: overdiversification. Just do 70% S&P 500 and 30% T bills. Same risk as Bernstein, but 50% more growth. Want more growth? Add more S&P. Want more safety? Add more T bills. Done and done.
The S&P 500 and other index funds are overdiversified as is Holding a small amount (5-15) individual stocks on fully researched companies that you have belief in will outperform any index
I wish you would have given the expense ratios with these different strategies when making this video. I'm curious which is more expensive to partake in. Thanks for the video.
I could see adding international exposure given that the US and west is on track for a decline compared to the less woke parts of the world. Should one really want to put all of the eggs in the basket that's struggling to define what a woman is or which flavor of gender people are?
Honestly, the first three strats are probably your best bet until you understand the market well enough to branch out on your own. Eventually, you'll want to take on an increasingly larger portion of "low-risk" assets (typically bonds) as you near retirement. I wouldn't even bother considering many of the other "recommended" strategies given: Dave Ramsey: Financial advice falls flat beyond 'get out of debt.' Bill Bernstein: Exposing yourself to a single foreign market (Europe) while excluding opportunities in the overall international market seems irrational. Ivy League Schools (particularly Harvard): notoriously mismanage their asset portfolios, often underperforming the overall market.
Great video. I chose the three fund strategy, Large-Cap growth (SCHG), Mid-Cap growth (IVOG), and Mid-Cap value (IVOV). I’m in my late thirties. Only 1% overlap with the Schwab ETF compared to the two Vanguard ETF’s. And only 31% overlap between the two Vanguard ETF’s.
My portfolio is made up of 6 companies plus the VUAA ACC EUR ETF, which replicates the S&P 500. I chose Nu Holdings for its growth potential in the digital financial sector in Latin America. Realty Income, Vici and Stag offer exposure to high-quality properties and consistent income through dividends. QuantumScape is a bet on the future of solid-state batteries, with enormous potential in the electric vehicle market. Tilray is a play on the cannabis sector, which is expanding globally. The S&P 500 ETF balances risk, providing stability with large, consolidated companies. 📈📈
What do you think about a portfolio similar to 3-fund but where it is broken down into large cap, mid cap, and small cap. That way if one is underweighted you can buy more into that cap.
I recently changed my portfolio. I just started investing about a year ago and realized my portfolio was too complicated, I have the S&P, international, small cap, real estate and bonds. I also have a dividend portfolio that I'm building, plus a couple of individual stocks in another portfolio.
I’m on a 3 +1 sustainable energy mutual fund. Thinking about adding real estate mutual fund since the market is low right now it feels like a good time to buy in
Avoid "target date" funds. Their strategy is to move to a larger and larger percentage as bond funds as you reach age 65 - but that presupposes you will retire and need those funds at age 65 (not necessarily true), AND they tend to move toward bonds too soon - so you lose years of potential growth you could have had in equities.
I have seen several of your videos when you refer to bonds, you mention a bond fun like VBTLX however I think what others mean when mentioned, they are not referring to a fun. If you look at VBTLX's performance over 1 year, 3 years, or even 5 years it is consistently bad. Is something else happening here when you're talking about bond funds that I am not seeing? I want to consider bonds for my portfolio, but I can't bring myself to put money in something that performs badly despite how many times you mention it.
Almost everyone of these portfolios didnt beat the SPY over the last decade, which underperformed just investing in BERKSHIRE, which underperformed investing in the nasdaq, which underperformed just buying the top 10 stocks in the SPY.
Correct me if I’m wrong but to my understanding, this proves how much we need an concrete understanding of a particular asset as investors because playing the market blindly or solely of technicals is a big risk. I've been quite unsure about jumping considering current market actions, at the same time I feel it's the best time to get started. Thoughts on assets with safe yielding returns?
Yes you’re right, there’s more to the market than technicals which is why analysis are best made by or under the supervision of an expert. I’ve had significant increase following the help of a professional. Not much but enough. As for the dollar? I can’t say for fact how it will perform but that doesn’t mean there aren’t opportunities.
@@denisegamble2973 Yes, absolutely. I concur because, up to this point, I've profited by more than $250k, averaging a 15% monthly return in less than 4 quarters, passively following the advice of my portfolio manager, Yvonne Annette Lively. I am aware of the need for financial counsel, therefore absolutely.
@@joecaruso06 Thank you for the info. Yvonne Annette Lively huh? I did find her site. Resume, background & qualifications looked impressive as well as detailed. Seems to know her stuff pretty good.
Would you say it’s a good idea to just invest myself using some version of what is included in this video rather than paying a company to invest my money?
Not making up to a million before retirement is unfulfilled retirement.!! I’m 50 and my husband 54 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.
Wow. I had never heard of these strategies and I ended up slowly doing them on my own, I'm an investment genius!!!!🤣🤣 Started with VUN (CAN version of VTI) and VFV(CAN version of VOO). Then added XIC (CAN Core Total Market). Then added XEF (85% of international capital invested excluding North America). Then added a REIT (ZRE). Then added bonds (VSC and ZAG). Then added gold, silver, lithium and uranium. Then added individual stocks for fun with 10% of my biweekly purchases. I'm doing really well (total return of 13% as of this morning).
Can you please make a video for EU residents investing into the stock market? It seems a bit different since we have a bit different etf policy here, any ETFs you buy here have to be UCITS regulated, so no VTSAX and VXUS for us
How about the retirement portfolios from the free Portfolio Charts website like the Golden Butterfly or the Pinwheel? Or, the retirement portfolio I designed using that site. It goes like this: 20% Total Stock Market ETF 20% Small Cap Blend ETF 20% REIT ETF 20% Short Term Bond ETF 20% Gold ETF
I've heard about the 3 fund portfolio and how it's tried and true, but I'm considering the "3+1" I currently have 3: BLK, PLD and SCCO... I kinda want to put VOO in there or maybe QQQ
The right portfolio takes the volatility and turns it into stability through either rebalancing, cash optimization, asset allocation, efficient portfolio management. That is the key. You try to convert the peaks and troughs of the unstable and turn it into a more stable asset class. That is the key to designing a great portfolio. Your strategy with designing a great portfolio isn't to beat the market or beat anything. It is to manage risk.
